METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR SELECTING AND DELIVERING ELECTRONIC VALUE CERTIFICATES USING A MOBILE DEVICE

• US 20100241494A1
• Filed: 03/18/2009
• Published: 09/23/2010
• Est. Priority Date: 03/18/2009
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Delagrange, Mikel Robert, Kumar, Pradeep
• Granted Patent: US 10,992,817 B2
• Time in Patent Office: Days
• US Class Current: 705/14.100
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 15/7652 shared by users
• CPC Class Codes: H04M 15/88 Provision for limiting connection, or expenditure
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• CPC Class Codes: H04M 2215/7245 Shared by users, e.g. group accounts or one account for different users
• CPC Class Codes: H04W 12/069 using certificates or pre-shared keys
• CPC Class Codes: H04W 4/14 Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
• CPC Class Codes: H04W 4/24 Accounting or billing
• CPC Class Codes: H04W 8/245 from a network towards a terminal

Abstract

Methods, systems, and computer readable media for selecting and delivering an electronic value certificate to a mobile device are disclosed. According to one aspect, the method includes utilizing a certificate selection device to generate electronic certificate selection information and providing the electronic certificate selection information and associated recipient data to a merchant server. From the merchant server, electronic value certificate data derived from the certificate selection information is received. The method also includes establishing a communications link with a mobile device corresponding to the recipient data. The electronic value certificate data is provisioned on the mobile device over the communications link via over the air (OTA) communications.

Claims

1. A method for providing an electronic value certificate to a mobile device, the method comprising:

utilizing a certificate selection device to generate electronic certificate selection information;

providing the electronic certificate selection information and associated recipient data to a merchant server;

receiving, from the merchant server, electronic value certificate data derived from the certificate selection information and the associated recipient data;

establishing a communications link with a mobile device corresponding to the recipient data; and

provisioning the electronic value certificate data on the mobile device over the communications link via over the air (OTA) communications.

2. The method of claim 1 wherein the electronic value certificate data includes personalization data that is used to generate a softcard coupon in the mobile device and wherein the electronic certificate selection information includes data represents certificates selected by a user.

3. The method of claim 1 wherein the electronic value certificate data comprises a certificate authorization code.

4. The method of claim 3 wherein the certificate authorization code includes an electronic coupon authorization code.

5. The method of claim 1 wherein the electronic value certificate data comprises an SMS message containing a URL link to a web page displaying a barcode.

6. The method of claim 1 wherein the electronic value certificate data comprises a control SMS message instructing the mobile device to download at least one barcode image of at least one coupon associated with the certificate selection information.

7. The method of claim 1 wherein establishing a communications link with a mobile device comprises:

sending a control short message service (SMS) message to the mobile device associated with the recipient data; and

receiving, from the mobile device, an electronic value certificate download request for the electronic value certificate data.

8. The method of claim 1 further comprising:

storing the electronic value certificate data on the mobile device as a softcard coupon and personalization data.

9. The method of claim 8 further comprising:

storing the personalization data within at least one of a secure element and mobile base band memory in the mobile device.

10. The method of claim 9 further comprising:

communicating the personalization data to a wireless device reader in order to conduct a purchase transaction.

11. The method of claim 1 wherein the certificate selection device includes at least one of a personal computer, a kiosk station, and a smart poster.

12. The method of claim 1 wherein the mobile device comprises a first NFC enabled device, and is configured to transfer the electronic value certificate to a second NFC enabled mobile device.

13. A system for electronically providing a electronic value certificate to a mobile device, the system comprising:

a merchant server for receiving certificate selection information related to the selection of an electronic value certificate and associated recipient data from a certificate selection device and generating electronic value certificate data; and

an over the air (OTA) provisioning server for receiving the electronic value certificate selection data from the merchant server, establishing a communications link with a mobile device associated with recipient data, and provisioning the electronic value certificate data to the mobile device over the communications link via over the air (OTA) communications.

14. The system of claim 13 wherein the electronic value certificate data includes personalization data that is used to generate a softcard electronic coupon in the mobile device and wherein the electronic certificate selection information includes data represents certificates selected by a user.

15. The system of claim 13 wherein the electronic value certificate data comprises a certificate authorization code.

16. The system of claim 15 wherein the certificate authorization code includes an electronic coupon authorization code.

17. The system of claim 13 wherein the electronic value certificate data comprises an SMS message containing a URL link to a web page displaying a barcode.

18. The system of claim 13 wherein the electronic value certificate data comprises a control SMS message instructing the mobile device to download at least one barcode image of at least one coupon associated with the certificate selection information.

19. The system of claim 13 wherein the OTA provisioning server is further configured to send a control short message service (SMS) message to the mobile device associated with the recipient data, and receive, from the mobile device, an electronic value certificate download request for the electronic value certificate data.

20. The system of claim 13 wherein the OTA provisioning server is further configured to upload the electronic value certificate data to the mobile device as a softcard coupon and personalization data.

21. The system of claim 20 wherein the personalization data is provisioned to at least one of a secure element and mobile base band memory in the mobile device.

22. The system of claim 21 wherein the mobile device is adapted to communicate the personalization data to a wireless device reader in order to conduct a purchase transaction.

23. The system of claim 13 wherein the certificate selection device includes at least one of a personal computer, a kiosk station, and a smart poster.

24. The system of claim 13 wherein the mobile device comprises a first NFC enabled device, and is configured to transfer the electronic value certificate to a second NFC enabled mobile device.

25. A computer readable medium having stored thereon comprising computer executable instructions that when executed by a processor of a computer performs steps comprising:

utilizing a certificate selection device to generate electronic certificate selection information;

providing the electronic certificate selection information and associated recipient data to a merchant server;

receiving, from the merchant server, electronic value certificate data derived from the certificate selection information;

establishing a communications link with a mobile device corresponding to the recipient data; and

provisioning the electronic value certificate data on the mobile device over the communications link via over the air (OTA) communications.